http://www.articlealley.com en-us editorial@articlealley.com The debt negotiation process is a strategic and a timely matter. There are many contributing factors to consider, in order of ACHIEVING successful negotiations. First off, you must verify the delinquency status. A creditor is more likely to engage in neg... http://www.articlealley.com/article_149673_19.html 19th April 2007 According to recent studies, the average American household has nearly 20 debit and credit cards, with an average of $500 charge on each one; and due to the 2005 Bankruptcy Abuse and Consumer Protection Act it’s making it harder than ever for consumers ... http://www.articlealley.com/article_149672_19.html 19th April 2007 Negotiating skills are a nonnegotiable requirement for success, but few people understand the structures, techniques and approaches available to them in an attempt to gain successful results. Effective negotiation means more than just getting what you wa... http://www.articlealley.com/article_149671_19.html 19th April 2007 Debt settlement, also known as debt negotiation or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, a client can red... http://www.articlealley.com/article_149670_19.html 19th April 2007 A relatively new approach to debt resolution, debt settlement or debt negotiation is the process of negotiating with creditors to lower the amount that you owe, typically by as much as 50 to 60 percent. A settlement offer is only attractive to a creditor... http://www.articlealley.com/article_149669_19.html 19th April 2007 A relatively new industry, some consumers are mystified by the dynamics of debt negotiation. The purpose of this article is to break down the different factors that determine the effectiveness of a debt settlement program. 1. The importance of program... http://www.articlealley.com/article_136374_19.html 08th March 2007 This article offers tips on ways to improve your credit. It also offers some pointers on things that you may not have known affect your credit negatively. As one would expect, the most important causes of credit success or failure will always be pay... http://www.articlealley.com/article_136372_19.html 08th March 2007 This article summarizes the tax implications of debt settlement and why chances are you will still be in a better position financially by enrolling. For most consumers, they are technically insolvent at the time of settlement, which makes them exempt fro... http://www.articlealley.com/article_136371_19.html 08th March 2007 The primary purpose of good credit is to save you money by helping you procure lower interest rates that otherwise wouldn’t be available to you. Interestingly, some consumers fail to recognize this fact when considering the appropriate option for debt ... http://www.articlealley.com/article_136370_19.html 08th March 2007 One thing that has always boggled my mind about the America education system is that we don’t have mandatory classes on credit. Think about it. Chances are for 99% of our population that high school Chemistry class they took in 11th grade turned out t... http://www.articlealley.com/article_136368_19.html 08th March 2007 This article provides some useful advice to consider prior to taking out a home equity debt consolidation loan. It also compares debt consolidation to debt settlement. If you have equity in your home and you’re overextended with credi... http://www.articlealley.com/article_131152_19.html 20th February 2007 (Note: this is not to be considered legal advice, and it is dealing with the hypothetical “average” elderly and/or disabled person. Each case is unique and to determine the legal ramifications of your individual scenario you should consult an attorn... http://www.articlealley.com/article_131151_19.html 20th February 2007 Credit counseling or debt settlement? While naturally Franklin Debt Relief is inclined to argue on behalf of debt settlement over credit counseling, we also recognize that it’s impossible to declare which program is better because it depends on a numbe... http://www.articlealley.com/article_131150_19.html 20th February 2007 The most widely held misconception about bankruptcy is that it’s the debtor’s version of the “get out of jail free” card in Monopoly. While most people know that bankruptcy affects your credit for 7 to 10 years, very few people know that... http://www.articlealley.com/article_131149_19.html 20th February 2007 1. First and foremost, ask yourself, “Do I even need a bankruptcy lawyer to file my case?” If your case is fairly straightforward, then chances are you can get a bankruptcy petition preparer to file your case for much less than the cost of hiring a l... http://www.articlealley.com/article_131148_19.html 20th February 2007